The 3 Benefits of a Private Hard Money Lender in Texas

The economy has made traditional lenders a little worried about your credit score. Many real estate investors are finding themselves unable to purchase investment properties due to a bad credit score or unfavorable debt to income ratio. If you find yourself in this situation, you are not alone. That’s why Texas hard money loans made by private money lenders Texas are among the best ways to get started flipping that house today, even when you don’t have the credit you once had. With Texas Hard Money loans, you actually don’t need to have perfect or even good credit. Take a look at this three facts you might not have known about private money lenders Texas. 

1. Like we said above, with private money lenders Texas, don’t worry about your credit score. Your lender sure isn’t! Instead of worrying about your credit score, start worrying about what you’re going to do with the house you want to flip! Really, lenders are more concerned about the property you are borrowing against and whether or not you are going to repay the loan, but they judge that based on character. This loan really has nothing to do with your FICO score, so stop worrying about it.
2. You have to be realistic with private money lenders Texas. Why? Because this is a loan, not a gift. Really be honest about how long you think your home renovation project is going to take and be up front with your lender. For example, do not say you will only take a month if you know it will take three. That would be bad faith and give you a bad reputation. Plus it could end up costing you a lot extra in interest and penalties. Give yourself enough time to pay the loan off. If you find that your project is taking longer than you anticipated, ask for an extension on your hard money loan. 
3. One last tip is that Texas hard money loans really aren’t as expensive as you think they are. This is especially true if you can make your turn around time on your home investment quickly. The loan does carry a higher interest rate, but it is meant to be a short term investment that can help you and your lender make money fast. It is a win-win solution. 

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Foreclosure Auction Texas A Texas Hard Money Loan is the Right Choice for Auctions

Foreclosure Auction with Texas Hard Money.

It used to be so easy to get a bank loan whenever you wanted to flip the house you’ve had your eye on or to create the home of your dreams. It’s not like that anymore though. Loans, the traditional kind at least, are difficult to get your hands on depending on the kind of credit you have.

You really don’t have to be frustrated or scared to get a loan different from the traditional loan. Think about getting an Texas hard money loan, an alternative to the traditional bank loan that is easier to receive and that means you get to start working on your project sooner rather than later.

Private money lenders Texas might be the best thing for your project. You can get a jump start on it since the processing time is fast and you don’t have to worry at all about your credit score. That’s not what an Texas hard money loan is looking at- instead, your property is evaluated and the money you get is based off of that number.

We know the economy is a challenging road to travel, that’s why hard money lenders Arizona wants to help you get your Texas hard money loan. We think that you should throw out everything you think about a hard money loan and consider getting what you want and what you need to perfect your home or flip a property.

Remember that this is still a loan, however, so it is important to keep track of your finances and to be fiscally responsible for the money that you take out when getting a loan from hard money lenders Texas. This is an exciting time and a tremendous opportunity. Get on the fast track now! It could change your entire life.

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Are you Investing in Deeds of Trust in Arizona.

Are you Investing in Deeds of Trust?

Hello, Dennis here, have you ever considered investing in Deeds of Trust or Trust Deeds.  And  what exactly is a Trust Deed investment?  Well, let me explain.

Today there are many ways in which you can invest your money, such as the stock market, bonds, or even depositing the money into a bank. It’s time to add one more to that list: Investing in Deeds of Trust.

This is a great investment for you - when you invest in Deeds of Trust, you become the bank.

Investing in deeds of trust means that you are loaning your money directly to a borrower who is then purchasing real estate and giving you a Deed of Trust as security for the loan.

You will receive payments from the borrower monthly, and at a very high interest rate; these rates vary from 10 to 29% for 6 to 24 months with very good loan to value ratios, typically 70% or less.

Also, your money is secured by the real estate.

This means that if the borrower fails to make good on the terms of the loan, you, as the lender, take back the real estate. You are then free to sell the home to recover your investment, past due interest, and fees.

This is much more secure in comparison to stocks, whose value can rapidly decrease or simply vanish if the company goes out of business. When that happens you lose your investment and you are not able to recover it.

When compared to the bank, you are getting a higher rate of return on your investment, typically 10 to 29%. You can even drive by and look at the home in which you wish to invest. Next time you give your money to the bank for little or no interest, ask them if you can see where your money went.

Trust Deed investments offer security on your money, a high rate of return, and best of all, it’s backed up by the property.

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120

Loan Document Requirements for a Home Loan in Arizona

What are the Document requirements for a Home Loan aka Home Mortgage?

Hello, Dennis here, have you ever wondered what are the loan documents you need for a home mortgage are?  Well, if you are applying for a new home mortgage today, most likely it is going to be a full documentation loan also called a  ‘full doc’ loan. This means that all of the documents for this loan must be submitted to the lender when they evaluate the loan. Since the lender is responsible to verify your qualifications, they need to make sure that you can indeed qualify for the loan. Lenders verify this by looking at the documents you submit so they can verify the accuracy of the information. 

Some borrowers in the past have faked this information, so it is up to the lender to make sure you qualify for the loan. The lender will compare your income and all of your expenses and see if you fit in the qualified range.  In the past the lender would ‘take your word on it’, but unfortunately, that is no longer an option. Now full documentation needs to be provided to the lender. For this ‘full doc’ loan, you must give your lender at least two years of income tax returns. 

They assume that you would not lie to the IRS and the information is accurate, but eventually down the road the lender will ask the IRS to provide a certified copy of the same tax returns and compare them to the ones you submitted.  No cheating here! Next the lender wants to see bank statements.  Usually one to two years is required. The lenders use the bank statement to compare with the next set of documents needed: paycheck stubs and w2’s.  The lender wants to see that the paychecks are being deposited in the bank. The lenders require this information because they are the hook if you default on the loan.  They need to make sure you can qualify for the loan and meet the guidelines set by --- you know who the federal government. So be patient, and get ready to start gathering the information when you apply for a home mortgage. Without this ‘full doc’ of information you will have a hard time getting that home mortgage you need. If you are looking for a home loan on real estate, see us at




Dennis Dahlberg Broker
/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120

Phoenix Private Hard Money Loan in Arizona, What is it?

What is Private Hard Money Loan?

Hello, Dennis here, have you ever wondered what is a private Hard Money Loan? Well let me explain.  A Arizona Hard Money Loan is a secured loan from a Lender to a Borrower and is backed by a Hard Asset. This is not like a traditional loan. With a traditional loan, a lender makes a loan to the borrower and in return, the lender receives a promise to pay from the borrower that states the borrower promises to pay back the loan based on pre-arranged terms. Some lenders don’t like promises. Some lenders want more because unfortunately not all borrowers keep their promises. In those cases, what the lender wants is additional security from the borrower just in case they don’t make the payments; something put up as collateral that the lender gets to keep if the borrower is not able to keep their promise. That something is called a hard asset. A hard asset is something that you can touch and see. And if the borrower does not make the payments, the lender takes it from the borrower and keeps it and the borrower loses the asset. In real estate, a hard asset is secured using a legal document called a Deed of Trust and is usually a home or some other type of real estate, but can also be anything of value such as gold, diamonds, motor home or anything lender will take as security of the loan. That is why it is called a secured loan and if the borrower fails to make the payments the lender keeps the asset.




Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120

Dennis Dahlberg - It Can't Get Better than This.: Best West Direct Arizona Fulfillment Service Wareh...

Dennis Dahlberg - It Can't Get Better than This.: Best West Direct Arizona Fulfillment Service Wareh...: Tour Our Fulfillment Warehouse. How to get complete fulfillment and fulfillment services from Best West Direct. Danger, Beware using anot...

Custom Foam Box to Ship Items Using CO2

Create a custom foam box to ship items frozen.

Make a custom foam cooler from custom foam packaging. For More Information go to Custom Foam Packaging  http://www.custom-foam-packaging.com We use this type of box for shipping frozen items. A great way to make custom foam boxes using Instapak foam system. Use this with CO2 and ship frozen items. More Videos of custom foam packaging using Instapak Foam System